high risk life insurance

I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have almost no chance of a good outcome with their life […]

The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a case where mortality experience ( a closer than near death experience) […]

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“My husband and I had life insurance policies through Ed Hinerman. When my husband passed away very suddenly, Ed was extremely helpful in my time of need. Some companies claim to be there for you. Ed and the Hinerman group were there for me. I have referred friends to Ed, and will continue to do so.”